New Life Brokers

06/06/2024

Never forgotten.

03/31/2024

And they entered in, and found not the body of the Lord Jesus. And it came to pass, as they were much perplexed thereabout, behold, two men stood by them in shining garments: And as they were afraid, and bowed down their faces to the earth, they said unto them, Why seek ye the living among the dead? He is not here, but is risen: remember how he spake unto you when he was yet in Galilee, Saying, The Son of man must be delivered into the hands of sinful men, and be crucified, and the third day rise again.

03/29/2024

“Jesus said to her, “I am the resurrection and the life. Whoever believes in me, though he die, yet shall he live” John 11:25

03/20/2024

Helping create a more positive, secure future.

At New Life Brokers, we specialize in a range of life insurance products tailored to meet your unique needs and goals. Our comprehensive solutions are designed to provide you and your loved ones with peace of mind and financial security in every stage of life.

08/23/2023

Thanks for all the follows as I build my presence on social media! It's greatly appreciated 🙂

08/21/2023

She's the reason I'm an Independent Agent.

08/20/2023

No co-pays on Sunday.

08/19/2023

🌟 Why Being Prepared Matters: Accident & Critical Illness Coverage

Let's discuss a crucial aspect of your health coverage strategy – being prepared for the unexpected with Accident and Critical Illness Coverage. This cost-effective solution ensures you have a safety net, even if you don't have traditional health insurance.

🔑 Why Choose Accident & Critical Illness Coverage?
✅ Affordable Protection: Accident and critical illness coverage is budget-friendly, providing financial support for unexpected medical costs.

✅ Complementary Coverage: Even if you have traditional health insurance, accident and critical illness coverage can fill gaps, covering specific situations and costs that may not be included in your primary plan.

✅ Peace of Mind: Accidents and critical illnesses can happen to anyone, regardless of age or health status. This coverage ensures you're prepared for life's uncertainties.

🛡️ How It Works:
🔹 Accident Coverage: This plan helps cover medical expenses related to accidents – from fractures to emergency room visits.

🔹 Critical Illness Coverage: In the event of a critical illness diagnosis (like cancer or heart disease), this coverage provides a lump sum payment to help you manage associated costs.

🔍 Dual Benefit: Accident and critical illness coverage can be used alongside your traditional health insurance, offering an additional layer of financial protection.

🔍 Exploring Your Options:
If you're interested in learning more about accident and critical illness coverage, or want to discuss how it can complement your existing health insurance strategy, reach out at 615-575-3436 or visit www.AgentJohns.com. Let's ensure you're prepared for the unexpected and have peace of mind.

Marcus Johns is an Independent Health & Life Insurance Agent specializing in Affordable Care Act, Short Term Medical, Indemnity, Dental, Vision, Accident, Critical Illness, & Life Insurance coverage for all budgets. Find affordable coverage for your family with AgentJohns today!

08/19/2023

🌟 Understanding To***co's Impact on Premiums

Let's talk about a factor that influences life insurance premiums – to***co use. While it's true that to***co can affect your rates, it doesn't mean you're uninsurable. Let's explore how this factor works.

🔑 The To***co Factor:
✅ Premium Adjustment: Insurance companies adjust premiums for to***co users due to the health risks associated with smoking or using to***co products.

✅ Varied Premiums: Premium increases for to***co users depend on factors like the frequency of use and the type of to***co product. Rates can vary among insurance providers.

✅ Insurability Remains: Being a to***co user doesn't automatically make you uninsurable. Insurance is still available, but premiums may be higher due to increased health risks.

🛡️ Why Insurability Matters:
🔹 Access to Protection: Even if you use to***co, life insurance ensures your loved ones are financially protected in case of the unexpected.

🔹 Planning Ahead: Life insurance can provide peace of mind and help you secure your family's future, regardless of to***co use.

🔹 Positive Steps: If you're a to***co user, making efforts to quit or improve your health habits can eventually lead to more favorable premiums.

🔍 Navigating Your Options:
If you have questions about how to***co use affects your life insurance rates or want to explore options, reach out at 615-575-3436 or visit www.AgentJohns.com/lifeinsurance. Let's find the insurance solution that fits your unique needs and goals.

***coAndInsurance

Never underestimate the importance of having a life insurance plan. I make it my mission to provide my clients with the best coverage at the most competitive rates. I'm dedicated to helping you find the perfect policy for you and your family, so you can enjoy peace of mind knowing that your loved on...

08/18/2023

🌟 Debunking the Myth: Low Deductibles ≠ Best Plans

Let's talk about a common misconception about health insurance – the belief that a lower deductible automatically means a better plan. Let's unravel the truth behind deductibles and the often-overlooked out-of-pocket maximum.

🔑 Understanding Deductibles and Out-of-Pocket Max:
✅ Deductible: This is the amount you must pay out of your own pocket before your insurance coverage kicks in. A lower deductible might seem appealing, but it's not the only factor to consider.

✅ Out-of-Pocket Maximum: This is the maximum amount you'll pay for covered services in a plan year, including your deductible and coinsurance. Once you reach this limit, your insurance pays 100% of covered costs.

🛡️ Why Low Deductibles Aren't the Only Answer:
🔹 Big Picture Costs: A plan with a lower deductible might come with higher monthly premiums. You're essentially pre-paying for potential costs.

🔹 Out-of-Pocket Reality: Even with a low deductible, you could still end up paying more if the plan's out-of-pocket maximum is high.

🔹 Balancing Act: It's about finding the right balance between upfront costs (deductible and premium) and potential costs down the line (out-of-pocket max).

🔍 Making the Right Choice:
When choosing a health insurance plan, it's crucial to assess your overall financial situation, medical needs, and risk tolerance. Look beyond just the deductible and consider the out-of-pocket maximum to ensure you're truly protected.

Need guidance in navigating these details? Reach out at 615-575-3436 or visit www.AgentJohns.com. Let's break down the numbers and find the plan that aligns with your financial and health goals.

Marcus Johns is an Independent Health & Life Insurance Agent specializing in Affordable Care Act, Short Term Medical, Indemnity, Dental, Vision, Accident, Critical Illness, & Life Insurance coverage for all budgets. Find affordable coverage for your family with AgentJohns today!